Canadian Credit Cards
Before you apply for a credit card, tell us what you're looking for
We also have great options for new to Canada, student credit cards and small business credit cards.
Featured Canadian Credit Cards
Welcome offer: You deserve to be rewarded! Get up to and the $120 annual fee waived in the first year.66
Minimum $60,000.00 (individual) or $100,000.00 (household) annual income required ORMinimum $15,000.00 declared current annual spend
Need help finding the right card?
Answer a few easy questions and we’ll recommend one or two cards that suit you!
Already applied for your BMO credit card?
Here’s what comes next
Watch for your card in the mail
Once you’re approved, we’ll mail out your new card. It may be in a plain envelope so look out for it.
Activate your card
After your card arrives, you’ll need to activate it before using it. Activate your card online in under a minute.
Manage your account online
Sign up for online banking to keep track of your credit card account, plus get helpful alerts and financial insights.
Manage your account, anytime, anywhere with the BMO Mobile Banking app
Check your rewards balance
Report a lost or stolen card- Lock and unlock your card
- Check transaction and payment history
- Pay your monthly bill
Pick the best rewards program in Canada for you
- Redeem your BMO Rewards points using Pay with Points to cover eligible travel purchases like flights, hotels, car rentals, vacation packages, cruises and more.64
- Treat yourself to something from our extensive catalogue, featuring hundreds of products and gift cards from top brands.
- Save for the future by redeeming points for a contribution to a BMO savings or investment account.
- Pay with points. Let your points pick up the tab. Apply your points directly to eligible purchases.64
BMO PaySmart™ Installment Plans
Live now, pay smarter with a BMO PaySmart plan by turning your credit card purchases into smaller, monthly payments at a low cost.
Digital features and security at your fingertips
Give your financial health a boost with online and mobile banking tools. Enjoy more control over your credit card and a better understanding about how you’re using it.
Safety and security
Can’t find your card? No worries, you can lock and unlock it, report it lost or stolen, or reset your PIN any time.
Financial insights
Stay on top of your spending with a personalized look at your money.
Credit score
Get free, 24/7 access to CreditView with no impact to your credit score.
Detailed transaction view
Get a detailed view of when and where you made your purchases on the BMO mobile app.
FAQs
Activating your new credit card is quick and easy. First visit Activate my BMO Credit Card. From here, you’ll enter your new 16-digit credit card number, its expiry date and the 3-digit security code located on the back of your card. You can also use the BMO Mobile Banking app by logging in, choosing Manage cards from the More menu, tapping Activate my card and following the on-screen prompts.
